Our lending services

Buying First Home or Next Home? We’re Here to Make It Easy 

Whether you’re buying your first home, upgrading to your next, it’s an exciting step—but it can also feel overwhelming with all the financial and legal details involved.

That’s where we come in. With years of experience helping clients just like you, we’re here to guide you through every part of the process so you can make smart, confident decisions.

We’ll start by reviewing your income, savings, and current financial commitments to work out what you can afford. Getting pre-approved is a key step—it gives you the confidence to make an offer when the right property comes along.

From there, we’ll walk you through your options, explain everything in simple terms, and help you choose the right loan that suits your goals.

The best part? Our service is completely free.
We’re paid by the lender when your loan settles, so our focus is 100% on finding the right solution for you.

Here’s how we can help:

• Explain what to look for in a good location
   
• Guide you on how to negotiate your property price
   
• Structure your loan to suit your needs
   
• Help you understand what should be in your contract
   
• Break down all the extra and hidden costs
   
• Estimate your loan repayments
   
• Help you avoid budget surprises
   
• Explain why pre-approval matters
   
• Show you how to pay off your loan faster
   

We’re not just here to get you a loan—we’re here to help you achieve your property goals and build a secure financial future.

Chat with our friendly team of mortgage brokers today—
We’re here to make your home buying or refinancing journey simple, stress-free, and successful. 

Thinking About Refinancing? We’re Here to Help

Whether you want to refinance your current home loan or switch from another bank, we can guide you through the process and help you find a better deal.

What is refinancing? 

Refinancing means replacing your existing home loan with a new one—often through a different lender. Yes, it involves some paperwork (just like when you first got your loan), but it could lead to big savings. Many banks offer their best rates to new customers, which means staying with your old loan could mean paying more than you need to—what we call a “loyalty tax.”

When should you consider refinancing? 

If you’ve recently taken out your loan with the help of an EZ Financing broker, you’re likely already on a great deal.

But home loans shouldn’t be “set and forget.” That’s why we offer a free yearly home loan review to make sure your loan still works for you. If it’s been a few years since you looked at your loan, it’s time to check if you could be saving with a lower rate or better features.

Refinancing isn’t just about savings—it can also help you reach personal goals.

You might want to:

• Access equity in your home to renovate, buy a new car, or invest
   
• Consolidate multiple debts into one easy monthly payment
   
• Reduce your interest costs and manage your budget better

We'll help you choose what's right for you 

We won’t just chase the lowest rate—we’ll take the time to understand your future plans, like:

• Buying an investment property down the track
   
• Acting as a guarantor for a family member
   
• Planning for retirement
   

We’ll run the numbers and make sure refinancing is truly worth it. If it’s not in your best interest, we’ll be honest and let you know.

Ready to review your home loan? Let’s chat—no pressure, just clear guidance.

Looking to Invest in Property? We’re Here to Help

Whether you're a first-time investor or an experienced one with a growing portfolio, we’re here to support your investment journey. We’ll work with you to develop a strategy, compare a range of investment loan options, and help you secure the right loan to maximise your returns.

We believe property investment is one of the most powerful ways to build long-term wealth and create passive income that supports your future. With the right planning and finance structure, you can move closer to financial freedom—and gain more control over when and how you retire.

Our team will review a wide range of lenders on your behalf to find the most suitable option for your investment goals (and in many cases, it’s not your current bank).

From start to finish, we’ll guide you through the process—from planning your purchase and getting pre-approval, to finalising your loan and settling the property. We're with you every step of the way.

What we can help with:

• Building a tailored investment loan strategy
   
• Comparing interest rates, features, and lender policies
   
• Structuring your loan for tax and cash flow efficiency
   
• Understanding interest-only vs principal & interest options
   
• Navigating equity release from existing properties
   
• Ensuring the loan aligns with your long-term financial goals
   

Whether you're aiming to buy your first investment or expand your portfolio, we’ll help you make smart, informed decisions to grow your wealth through property.

Building Your Dream Home? We’re Here to Help

Building a home is an exciting journey—but it can also be a complex one. With so many people involved—builders, lenders, and solicitors—there’s always a chance that communication gaps or delays can occur.

That’s where we come in. At EZ Financing, we help you secure the right construction loan and manage the process from start to finish. Your dedicated broker will handle everything related to progress payments to make sure your build runs as smoothly as possible.

What is a construction loan?

A construction loan is a type of home loan designed specifically for people building a new property. Unlike a standard home loan, the funds are released in stages—known as progress payments—as each phase of the construction is completed.

The benefit?
You only pay interest on the amount you’ve drawn down. So you don’t start full repayments until the build is complete, saving you money during the construction period.

How do construction loan works?

Instead of receiving your full loan upfront, your funds are paid out in five key stages of construction:

1. Slab or Base – Foundation is laid
    
2. Frame – The Structure of the home goes up
    
3. Lock-Up – External walls, doors, and windows installed
    
4. Fixing or Fit-Out – Internal work like cabinetry, tiling, and fittings
    
5. Completion – Final touches and inspection
    

Before these stages begin, you’ll usually need to make an initial deposit to help cover early construction costs like materials and site preparation.

The building process in 4 simple steps: 

1. Sign a building contract
    
2. Finalise your building plans
    
3. Obtain council approval
    
4. Receive a full quote from your builder
    

At EZ Financing, we’ll help you:

• Find the most suitable construction loan for your needs
   
• Coordinate with your builder and lender to ensure timely progress payments
   
• Handle all the paperwork and communication
   
• Keep things stress-free from approval through to completion
   

Let us take the pressure off, so you can focus on what really matters—bringing your dream home to life.

Self-Employed and Looking for a Home Loan? We’ve Got You Covered

Getting a home loan when you're self-employed can feel overwhelming. Banks often put up tough hurdles—asking for multiple years of tax returns, notices of assessment, and detailed letters from your accountant. It can make the application process feel complicated and frustrating.

Most lenders prefer to see at least two years of self-employment history, but some are open to approving loans with just one year of trading history. And even if you’ve been self-employed for less than a year, don’t worry—there may still be solutions available.

At EZ Financing, we understand how self-employed income works and how to present your financials in the best light. We’ll take the time to understand your business and match you with the lenders who specialise in self-employed borrowers.

Whether you're a sole trader, company director, contractor, or freelancer, we’re here to guide you through the process and make it as smooth as possible.

What we can help with:

• Finding lenders who accept self-employed income with low documentation
   
• Structuring your application for maximum borrowing potential
   
• Working with your accountant to gather the right paperwork
   
• Exploring low-doc and alt-doc loan options when full financials aren't available
   
• Reviewing your eligibility even if you've just started your business
   

Every situation is unique, and we’re here to provide clear, honest advice based on your individual circumstances.

Give us a call today to chat with one of our friendly brokers. We're here to help you take the next step with confidence.

Planning a Renovation? Here’s How to Finance It

So, you’ve decided to renovate your home—but now you’re probably wondering how to pay for it. Questions like “How much can I borrow?”, “Can I afford the repayments?”, “Will the bank lend me enough?” or “How do I pay the builder?” are completely normal.

That’s where we come in.

At EZ Financing, we’ll help you get your finances ready, guide you through your loan options, and work with you to stay on budget from start to finish.

Way to finance your renovation

1. Construction Finance
Designed for major renovations or rebuilds

If you're planning a large-scale renovation, like a home extension or rebuild, you may need a construction loan. Instead of receiving the loan as a lump sum, the funds are released in stages called progress payments, which align with the key milestones of your renovation. This type of loan is perfect for structured builds and helps you manage costs along the way.

2. Loan Top-Up (Add Loan)
Increase your existing home loan

If you already have a variable rate home loan, you might be eligible to increase your loan amount to fund your renovation. This is often called an Add Loan. It allows you to borrow more, while keeping your existing loan structure and features. Your repayments will go up, but everything stays under one loan—simple and easy to manage.

3. Equity Loan
Use the value you've built up in your home

If your home is worth more than what you currently owe on your mortgage, you may be able to tap into that equity to fund your renovation. An Equity Loan is a separate loan that lets you borrow against your property’s value. It gives you the flexibility to choose a different loan structure and keeps your renovation budget separate from your main home loan—making tracking and repayments easier.

No matter the size of your renovation, we’ll help you choose the right option for your goals and financial situation.

Ready to start your renovation journey?
Let’s chat today—we’re here to help you make it happen, hassle-free.

Struggling with Multiple Debts? Debt Consolidation Can Help

If you’re juggling several debts—like credit cards, personal loans, or store finance—it can feel overwhelming. Debt consolidation is a smart way to simplify your finances by combining all your debts into one manageable loan with a single monthly repayment.

By consolidating your debts, you may be able to reduce your total monthly repayments and save on interest, especially if you qualify for a lower rate than what you're currently paying on high-interest debts.

One of the most effective ways to consolidate debt is by refinancing your home loan. Since home loan interest rates are usually much lower than those on credit cards or personal loans, using your home’s equity to consolidate debt could lead to significant savings.

This strategy not only helps streamline your repayments—it can also ease financial stress and give you more control over your money.

Want to know if debt consolidation is right for you?
Talk to our team today—we’re here to help you explore your options and take the next step toward financial freedom.